The number is issued by the People’s Bank of China, belongs to the law, has the national credit to do the endorsement, in simple terms, the digital renminbi is the digital form of the renminbi.
1, digital RMB support “offline” function: digital RMB in the weak network or no network conditions, no network, no signal, as long as there is a mobile phone, it can be used normally;
2, digital RMB payment convenience: digital RMB payment is very convenient, is a point-to-point transaction, the transaction path is shorter, there is no commission phenomenon.
The payment process is completed by opening the digital yuan wallet, holding the phone and touching the merchant, after which one person’s digital currency is transferred to another person.
There are essential differences between digital RMB and wechat and Alipay. There are the following points: 1. Digital RMB cannot be rejected: digital RMB is legal circulation currency, and rejection is not allowed; 2.
If the money in Alipay or wechat cannot be collected, you can choose other methods of collection;
2, digital RMB can double offline payment: Alipay payment needs to go online, but digital RMB payment does not need to go online, mobile phone touch it;
3. Different in nature: wechat Pay and Alipay are financial infrastructure and “wallets”;
The digital yuan is a payment tool, the content of a “wallet”.
After the launch of the digital yuan, people will still be able to pay with wechat Pay and Alipay, but the contents of the “wallet” will be added to the currency.